Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$71,148Cash toward the purchase price.
Closing costs + prepaids$16,891Not just lender fees.
Before credits & paid funds$88,039The complete starting cash picture.
Estimated remaining funds due at closing
$88,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,147.97
Your down payment$71,147.97
Closing costs + prepaids$16,890.92
Total buyer cash needed$88,038.89
Remaining funds due$88,038.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$6,288.85
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,788.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$50.25
Initial HOA (3 months)$408.00
Prepaid interest, first (19 days)$1,887.14
Fees + prepaids$16,890.92
Your down payment is the seller’s equity. You take over the $557,737 balance, so the rest of the $628,885 price is paid at closing. A second mortgage can cover part of it. $88,038.89 is due at closing. Uses and sources reconcile at $645,775.92 each. Not a Closing Disclosure.